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Safe Travels vs Patriot Travel vs Travel Medical Comparision

These are the popular visitor insurance plans for international travel. Compare price and benefits to find the best plan for your needs.

Safe travels USA Comprehensive vs Patriot America Plus vs Travel Medical Choice

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Travel Medical
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Covers COVID19 illness
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Patriot America Plus
Plan Maximum
Deductible
Pre-existing/Covid19
Covers Covid19 illness
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Travel Medical Choice
Plan Maximum
Deductible
Covers COVID19 illness
  Buy Now
Insurance Providers
Coinsurance In-network: Plan pays 100%
Out-of-network: Plan pays 80% of eligible expenses up to $5K, then 100%		 In-network: The plan pays 100%
Out-of-network: IMG pays 80% up to $5K, then 100%.		 In-network: The plan pays 90% of the first $5K,then 100% to the medical maximum.
Out-of-network: We pay 80% of the first $5K,then 100% to the medical maximum.
Length of Coverage 5 days to maximum of 1 year, Renewable up to 2 years 5 days up to 12 months - renewable up to 24 months 5 days to 364 days
Renewability Yes : Up to 24 months Yes : Up to 24 months Yes : If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services URC to medical maximum
Intensive care unit Three times the average semi private room rate Up to the overall maximum limit URC to medical maximum
Hospital indemnity $50 per night up to a maximum of $500 per Policy Period $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible
Urgent Care Clinic $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay URC to medical maximum $20 copay
 Emergency Services
Emergency local ambulance Covered Covered Up to $10K
Hospital emergency room Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)		 Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit 		URC to medical maximum up to $100 copay
 Dental
Emergency dental treatment $250 per Policy Period $300 maximum limit due to accident or unexpected pain to sound natural teeth $250 maximum limit due to accident and $100 for sudden relief of pain
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25K for coverage related to cardiac disease or conditions. For people age 70 and above up to $35K for Acute Onset of Pre-Existing and up to $15K for coverage related to cardiac disease or conditions.
Patriot America Plus: Not Covered
Under 70 years of age,with varying limits by age up to $1M. $25K maximum limit for medical evacuation.
    With Cardiac Condition and/or Stroke:
  • Ages 14 days to 64 years: $50K
  • Ages 65 to 74 years :$5K
Other than Cardiac Condition and/or Stroke:
  • Ages 14 days to 64 years: $75K
  • Ages 65 to 74 years :$7.5K
 Life
AD&D Up to $25K $50K principal sum. Primary Insured or Travel Companion $25K Principal Sum
Eligible Dependent Children$5K Principal Sum
Aggregate limit of $250K for total number of insureds on the plan
Common carrier AD&D Not Covered $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible Primary Insured or Travel Companion $50K Principal Sum
Eligible Dependent Children $10K Principal Sum
Aggregate limit of $250K for total number of insureds on the plan
 Evacuation
Emergency medical evacuation 100% up to $2M Up to the Maximum Limit Up to $500K
Emergency reunion $15K $100K maximum limit. Not subject to deductible $200 per day, 10-day limit $100K maximum
Return of mortal remains or cremation/burial 100% up to $50K Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5K maximum limit for cremation or local burial at the place of death. Not subject to deductible Up to $50K
Return of minor children $5K $100K maximum limit. Not subject to deductible $50K maximum limit. Not subject to deductible
Political evacuation and repatriation Up to $100K lifetime maximum (not subject to deductible or coinsurance). $100K maximum limit. Not subject to deductible $10K
Natural disaster evacuation $25K $25K maximum limit. Not subject to deductible (Must be approved in advance by the company) $50K maximum limit. Not subject to deductible
Trip interruption $5K Per Policy Period does not cover lost trip cost $10K maximum limit. Not subject to deductible $5K maximum limit. Not subject to deductible
Unique Advantages
  • 80% of the first $5K of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Optional coverage for adventure sports with purchase of the rider.
  • It is a comprehensive benefit plan.
  • The plan is available for Non US residents and citizens traveling to the US or to other countries.
  • The length of coverage is 5 days to 364 days and the plan can be extended up to 364 days.
 Travel Insurance
Underwriter Underwritten by Crum and Froster SPC Underwritten by Sirius International Insurance Corporation Underwritten by Crum and Froster SPC
Rating AM Best Rating: “A" (Excellent) “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s AM Best Rating: "A" (Excellent)
Brochure and Details
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Compare Safe Travels USA vs Patriot America Plus vs Travel Medical Choice

Travelers coming to the USA must be cautious during the entire duration of trip. Travelling involves high amount of risks which can result in sickness or accidental injuries. Because of the rising health care cost for visitors to USA, it would be difficult to clear hospitalization or physician bills without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA.

Safe Travels USA Comprehensive is offered by Trawick International and has an AM Best Rating of “A+”. Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. Travel Medical Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 19 years.

Factors for comparing Trawick vs IMG vs Seven Corners travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Safe Travels USA Comprehensive insurance, Patriot America Plus insurance and Travel Medical Choice insurance visitors travel insurance:

Compare medical maximum coverage:

This the maximum coverage that the plan would offer for the medical expenses. Safe Travels USA Comprehensive insurance, Travel Medical Choice insurance and Patriot America Plus insurance offers travel medical coverage up to 1 million.

Compare deductible options:

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. All of these plans offer a set of deductible options for the travelers to choose from Patriot America Plus insurance has deductible options from $0 up to $2,500 while Safe Travels USA Comprehensive insurance and Travel Medical Choice Insurance have a range of deductible option from $0 up to $5K

Compare provider network:

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Compare coinsurance options:

Patriot America Plus

  • In PPO Network:
    • The plan pays 100%
  • Out of PPO Network:
    • The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Safe travels usa comprehensive
    covers after the deductible, 100% up to the Policy Maximum
Travel Medical Choice
  • In PPO Network:
    • The plan pays 100%
  • Out of PPO Network:
    • The plan pays 90% of the first $5K, then 100% to the medical maximum.

Contrast the renewability options:

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Plus, Safe Travels USA Comprehensive and Travel Medical Choice insurance can be extended for a minimum of 5 days to 364 days.

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA comprehensive For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries, Patriot America Plus International travelers requiring continuing coverage and for Travel Medical Choice Individuals and families including unmarried dependent children traveling outside of their Home Country.

Pre-existing conditions coverage:

Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions, Safe Travels USA comprehensive covers acute on set of pre-existing medical conditions age up to 89 years and Travel Medical Choice Insurance offers acute onset of pre-existing conditions up to 79 years

  • FEATURES
  • Eligible Plan for USA Coverage?
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover?
  • Renewable and Cancellable?
  • Deductible Choice?
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Safe Travel USA
  • Yes
  • Yes
  • Up to 89 years
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Trawick International
  • Buy Now
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Safe Travels vs Patriot America Plus vs Travel Medical insurance USA - FAQs

  • Safe Travels USA Comprehensive - FAQ's

    Does Trawick International Safe Travels USA Comprehensive cover covid? Does Safe Travels USA Comprehensive Insurance cover coronavirus?
    Trawick International offers coverage for Covid19 illness. The Safe Travels USA Comprehensive travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
    Is Trawick international a good insurance company?
    Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.
    What is the advantage of buying Safe travels USA Comprehensive plan?
    Safe Travels USA Insurance is an affordable Covid19 travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA looking for cheap travel health insurance including coverage for COVID-19/SARS-CoV-2.
    Who is eligible to enrol in the Safe Travels USA Comprehensive travel insurance plan by Trawick international ?
    The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).
    Can a traveler extend or renew the Trawick international Safe Travels USA Comprehensive plan?
    Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan

  • Patriot Travel Insurance - FAQ's

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    What are the benefits of Patriot International Lite insurance?

    Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.

    Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.

    What is the coverage area of Patriot International Lite insurance?

    Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.

    What is acute onset of pre-existing condition?

    Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

    Is IMG travel insurance legit? Is IMG a real insurance company?

    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

    Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?

    Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

    Can I buy Patriot America Plus insurance after my arrival in the US?

    Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.

    Does Patriot America Plus Insurance cover pre-existing conditions?

    Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

    How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?

    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?

    Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.

    How does Patriot America Lite insurance provider offer coverage for medical expenses?

    Patriot America Lite insurance works for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, after the deductible amount, Patriot America Lite insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Lite insurance would pay 80% of eligible expenses up to $5k, then 100% up to the maximum limit.
    For detailed working example of how it works, you can review Patriot America Lite insurance working example

    Can US citizens buy Patriot America Lite insurance?

    Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.

    Does IMG travel insurance cover Covid?

    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

    How can one use Patriot America Lite visitor medical insurance in case of emergency in USA?

    Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.

    Does IMG sell Cancel for Any Reason Insurance?

    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

    What does IMG insurance stand for?

    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

    Is IMG a good travel insurance company?

    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

  • Travel Medical Choice insurance - FAQ's

    Is Seven Corners a real insurance company? Is Seven Corners Legit? Is Seven Corners a good insurance company?

    Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US. It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.

    What is the coverage area of Travel Medical Choice travel insurance?
    Travel Medical Choice insurance is short term travel health insurance offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country. Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.This plans covers coverage for covid19.
    Does Travel Medical Choice Insurance covers pre-existing conditions?
    Yes, Travel Medical Choice offers coverage for the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available for Including USA .
    How much does Travel Medical Choice insurance cost?
    The cost of the Travel Medical Choice insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
    How to use Travel Medical Choice while receiving treatment?
    When you visit a medical provider, explain to them that you have Travel Medical Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

Compare Travel health insurance USA

Compare Travel Medical insurance plans

Compare Seven Corners Travel Medical insurance for specific benefits limits for different covered medical expenses.

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IMG Patriot America Plus Travel insurance

We also offer IMG Patriot America Plus international Travel insurance plans and can compare and buy online.

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Compare Trawick Safe Travels USA plans

Compare Trawick international visitor insurance of Safe travels USA plans for different covered medical expenses....

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Compare travel medical insurance

Comparison of Travel Medical insurance and buy the best US travel insurance...

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Covid19 Travel insurance

International travel insurance resources for outside your home country.

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Types of the travel insurance

Different US travel insurance options, fixed vs comprehensive coverage..

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Factors for travel insurance

Important factors to consider while deciding on the best travel insurance.

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Senior citizens travel insurance

A fall or illness could become the more serious for the older traveler.

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Travel Insurance USA Forum

Visitor insurance final expense insurance forum... Read More »

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Travel Insurance FAQ

Visitor Health Insurance - Frequently Asked Questions.. Read more »

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Travel Insurance Blog

Foreign visitor medical insurance blogs..
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Travel Insurance Claims

Visitors medical insurance claims information..
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Review travel medical insurance plans - Blogs and articles

travel insurance medical insurance

Safe Travels USA Comprehensive

Comprehensive offers Scheduled Benefits accident and sickness medical coverage, is a fixed benefit , cheap US visitor medical insurance plan. The plan is available to foreign travelers coming to the US.

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Factors for travel insurance

Patriot America Plus plans

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

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claims procedure

Travel Medical Choice

Travel Medical insurance is available for non U.S. Residents & Citizens traveling to the USA. Travelers can get a quote among the various options they offer according to the travel requirements.

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Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

Which are the best travel insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?